英国平均房价首次超过26万英镑_风闻

【来源龙腾网】

正文原创翻译：

Average UK house price exceeds £260,000 for first time

-Shortage of homes for sale in February pushes up house price growth for seventh straight month

英国平均房价首次超过26万英镑

——2月份待售房屋短缺，推动房价连续第7个月上涨

(The price of a typical home is about 20% higher than it was in February 2020, shortly before Covid lockdowns started in the UK, Nationwide says.)

（全英房屋抵押贷款协会表示，普通住房的价格比2020年2月，也就是英国开始封锁之前，高出约20%。）

新闻：

A shortage of homes for sale last month sent house price growth spiralling for the seventh consecutive month to 12.6%, prompting concerns that property values are moving further out of reach of first-time buyers.

上月待售房屋的短缺导致房价连续第七个月飙升至12.6%，引发了人们对房地产价格进一步超出首次购房者承受能力的担忧。

Prices of the average home increased by 1.7% in February to more than £260,000 for the first time, said the building society Nationwide, accelerating the pace of growth from 11.2% in January.

全国住房抵押贷款协会表示，2月份平均房价首次上涨1.7%，达到26万英镑以上，较1月份的11.2%有所加快。

Analysts, who expected a smaller increase in prices last month, said the ending of Covid restrictions enforced because of the Omicron variant and the threat of several interest rate rises this year from the Bank of England also spurred buyers to secure homes ahead of the peak Easter buying period.

预计上月房价会出现小幅上涨的分析师们表示，由于奥密克戎变种的出现，取消了对疫情的限制，以及英国央行今年数次加息的威胁，也促使购房者在复活节购房高峰期前购房。

Stiff competition between lenders for mortgage business, which has driven the offers for fixed-rate mortgages lower in recent months, was another factor driving prices higher.

贷款机构之间对抵押贷款业务的激烈竞争是推高房价的另一个因素。近几个月来，这种竞争压低了固定利率抵押贷款的报价。

原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处

Nationwide said the increase pushed the average British house price to £260,230, after soaring by almost £30,000 over the past 12 months – the biggest annual increase in cash terms that its monthly index has recorded in more than 30 years of its existence.

全英房屋抵押贷款协会表示，在过去12个月上涨近3万英镑后，此次上涨将英国平均房价推高至260230英镑，这是该协会成立30多年来月度房价指数中现金计算的最大年度涨幅。

The price of a typical home is about a fifth higher than it was in February 2020, shortly before the coronavirus lockdowns started in the UK, according to Nationwide. This equates to a cash increase of £44,140.

根据全英房屋抵押贷款协会的数据，一套普通住房的价格比2020年2月英国冠状病毒封锁开始前不久的价格高出约五分之一。这相当于增加了44140英镑的现金。

As house price growth has outpaced wage increases, and housing affordability has become stretched, the price of a typical home sits at about 6.7 times average earnings, up from a ratio of 5.8 in 2019, according to Nationwide.

根据全英房屋抵押贷款协会的数据，随着房价增速超过工资增速，住房负担能力变得捉襟见肘，典型住房的价格约为平均收入的6.7倍，高于2019年的5.8倍。

Robert Gardner, Nationwide’s chief economist, said housing market activity had remained robust in recent months, with mortgage approvals continuing to run above pre-pandemic levels at the start of the year.

全英房屋抵押贷款协会首席经济学家罗伯特·加德纳表示，近几个月来，房地产市场活动依然强劲，抵押贷款审批继续高于20年初疫情爆发前的水平。

He said: “A combination of robust demand and limited stock of homes on the market has kept upward pressure on prices.

他表示：“市场上强劲的需求和有限的房屋存量使房价面临上行压力。

“The continued buoyancy of the housing market is a little surprising, given the mounting pressure on household budgets from rising inflation, which reached a 30-year high of 5.5% in January, and since borrowing costs have started to move up from all-time lows in recent months.

考虑到通胀上升给家庭预算带来的越来越大的压力（1月份通胀率达到了5.5%的30年来最高水平），以及近几个月来借贷成本从历史低点开始上升，房地产市场的持续上涨有点出人意料。

“The strength is particularly noteworthy since the squeeze on household incomes has led to a significant weakening of consumer confidence.”

“由于家庭收入缩水导致消费者信心明显减弱，这一势头尤其值得注意。”

原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处

Ross Boyd, the founder of the mortgage comparison platform Dashly.com, said: “First-time buyers are as keen as ever to get out of the rental market and on to the property ladder, as it’s usually cheaper to own if you can find the deposit.

抵押贷款比较平台Dashly.com的创始人罗斯·博伊德表示：“首次购房者像以往一样热衷于退出租赁市场，转投房产市场，因为如果你能找到首付，通常买房会更便宜。”

“The major challenges facing the market right now are a scandalous lack of stock, interest rate rises and the surging cost of living.”

“市场目前面临的主要挑战是库存严重不足、利率上升和生活成本飙升。”

原创翻译：龙腾网 http://www.ltaaa.cn 转载请注明出处

Martin Beck, the chief economic adviser to the EY Item Club, said most purchases were likely to be by households that had saved during the pandemic and were more immune from the rising cost of living when deciding to buy.

安永项目俱乐部首席经济顾问马丁·贝克表示，大多数购房的家庭可能是在疫情期间存钱的，在决定购买时，对生活成本上升的影响更具抵抗力。

Some households might also anticipate that the conflict in Ukraine and the growing uncertainty about the economic outlook will restrain the Bank of England from increasing rates much above 1%.

一些家庭可能还预计，乌克兰的冲突和对经济前景日益增长的不确定性将限制英国央行将利率提高到远高于1%的水平。

“But overall, while the cost of mortgages may rise more slowly than had been expected, the outlook for the housing market is looking less buoyant,” he said.

“但总体而言，尽管抵押贷款成本的上升速度可能低于预期，但房地产市场的前景似乎不那么乐观，”他表示。

Gardner said that if the labour market remained strong and inflation continued to rise towards 8%, as many analysts predicted, the Bank would have little choice but to raise rates this year.

加德纳说，如果劳动力市场保持强劲，通货膨胀率继续向8%上升，就像许多分析师预测的那样，英国央行将别无选择，只能在今年加息。

“Assuming that labour market conditions remain strong, the Bank of England is likely to raise interest rates, which will exert a further drag on the market if this feeds through to mortgage rates.

“假设劳动力市场状况保持强劲，英国央行可能会加息，如果这传导至抵押贷款利率，将对市场造成进一步拖累。

“Housing affordability has already become more stretched, in part because house price growth has been outstripping earnings growth by a wide margin since the pandemic struck.”

“住房负担能力已经变得更加吃紧，部分原因是自疫情爆发以来，房价涨幅一直远远超过收入涨幅。”